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SUM policies can help cover gaps in insurance coverage

While New York motorists are required by law to carry at least $25,000 in liability insurance coverage, the sad reality is that the full costs of injuries sustained in car accidents often far exceed this amount. If a driver only has the required minimum amount of liability insurance and causes an accident, those injured in the accident may wonder how they can receive compensation for injuries that are in excess of $25,000. Fortunately, individuals have the option to carry Supplemental Uninsured / Underinsured Motorist coverage that can help make up the difference between the costs of an accident and the insurance coverage of the responsible driver. Learn more about this important type of coverage by clicking here.

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